What is Magic Jack? Magic Jack is an Internet based telephone service. It works by using Voice Over Internet Protocol (VOIP) through an active high-speed Internet connection. The tiny devices connect to servers to send and receive phone calls using the user’s own Internet connection. The new Magic Jack devices do not require them to be directly connected to a computer that must be left on. However, they do still require a working Internet connection for the devices to function.... Read more
Many of us have a lot of people on our Christmas gift lists. With the holiday crush, it’s often difficult to find the time to buy a gift for everyone, let alone a gift of a personal nature. That can force us into the unfortunate game of buying last-minute Christmas gifts. If time becomes an obstacle this Christmas season, there are some great last-minute Christmas gifts that you can get on-the-fly. Gift cards to merchants you know they‘ll use Many... Read more
What is Personal Capital? Personal Capital lets you see all your financial accounts in one place. In a way, it’s like Mint.com, but on steroids. If you want detailed stats on all your investments, objective financial advice, and you want to view it all in one place, you seriously need to look at Personal Capital. With Personal Capital, you can see your net worth at a glance by syncing your checking, retirement, investment, college savings, mortgages, loans, and just about... Read more
Zig Ziglar was one of the most inspiring voices of the 20th century. His motivational books and speaking events inspired thousands of people to improve their lives. He wrote over two dozen books and was considered the King of Motivation and the ultimate coach of salesmanship. Unfortunately, Zig Ziglar passed away on November 28, 2012; he was 86 years old. He will always be remembered for his inspiring words and his encouraging messages. He was full of wisdom and inspirational... Read more
Would you like to know with greater certainty that you’ll have enough money to retire? Do you know how big of a nest egg you want when that time comes? I ask these questions for this reason: clarity is one of the most important concepts in personal productivity and achieving goals – financial or otherwise. Over the years, I’ve learned that two huge reasons why some people get more done is because they’re crystal clear about their goals, and they don’t deviate... Read more
According to the US Postal Service website, the price of a forever stamp will increase by 1 cent on January 27, 2013. The cost of a stamp in 2013 is set at 46 cents. This is a 2.22% postage rate increase from the 2012 stamp price of 45 cents. The Post Office also issued the new First-Class Mail Global Forever Stamp which allows customers to mail letters anywhere in the world for a set price of $1.10. Did this answer... Read more
Although most people don’t think about it on a regular basis, your credit score is perhaps the most important number in your life. If it’s low, it can cost you a lot of money in extra interest charges, higher insurance premiums, and higher deposits when you buy something on credit. While having a poor credit score can be damaging, the good news is that you can improve it. If you damage it, it can be repaired. Here are a few... Read more
Look at all the articles that appear on the many thousands of websites and blogs across the internet. Somebody has to write them all. And in many cases, somebody was paid to write them (actually, many some bodies). Would you like to become one of them? You can. Writing on the internet is actually a fairly informal business. You don’t need a specific degree and there are no fiery hoops that you need to jump through. It’s mostly learning from... Read more
As blessed a time as it is, Christmas can (and often does) wreak havoc on the household budget. It’s not just gift buying and giving either. Travel and expenses of all kinds rise with the holidays, turning them into a significant expense. Not many people have Christmas club accounts anymore, to help cover the cost of the holiday. That means that we’re on our own to find ways to celebrate and enjoy the holiday that won’t cost so much. I’m... Read more
As we move into the final weeks of 2012 it’s time to begin focusing on the new year ahead, at least as it relates to retirement planning. Hopefully you’ve taken full advantage of the benefits of tax sheltered retirement plans during the current year, at least to the best of your ability. Individual retirement accounts (IRA’s) and 401K plans remain as one of the best tax breaks still available to the average person. 2013 will bring some minor increases in... Read more
Faith and Finance
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